Our shop insurance explained


We understand what matters to your business

Shop insurance for owners of shops, pubs, restaurants and retail outlets
Public and employers' liability cover

You'll get public liability cover up to £2million as standard, with the option to increase to £5million. Employers' liability cover up to £10million is also included.

Protection and replacement

You'll be protected against major threats to your business including fire, flood, burst pipes, vandalism and theft. We'll replace as new your contents, equipment and fixtures and fittings up to the amount you've told us in your policy.

Freephone business helpline

Call us free 24 hours a day for professional guidance on legal or health and safety issues. You can also call our tax and PAYE helpline during working hours.

0% interest monthly payments

You have the option to spread your insurance premium over the whole year, at no extra cost.

Need to make a claim?

Call us on 0330 102 4098
Get a quote online now

If you need less than £2.5million total contents and buildings cover and your overall stock and contents doesn’t exceed £500,000 then our policy is ideal for you.

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Free seasonal stock increase

Choose up to four months of the year when you'll benefit from a 50% seasonal stock increase at no extra cost.

Hair and beauty insurance

Hair and beauty insurance

Whether you're a barber, beauty salon or nail bar you'll get extensive cover for your business. Your policy will cover hair treatment risks and a wide variety of beauty therapy treatments, plus personal effects up to £750 as standard and peace of mind with business interruption cover. Find out more about our hair and beauty insurance here.

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Business interruption cover

We include protection against loss of gross profit following an insured incident such as a fire or a flood, giving you long term peace of mind. It's automatically included as standard up to £500,000.

Van carrying goods

Cover for goods in transit

We'll cover you for goods in transit up to £2,500 in any vehicle owned or operated by you and while at exhibitions. We'll also cover up to £4,000 cash kept on the premises or in transit during working hours.

Need to check your policy details?

You can download the policy wording below:

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